Colorado Medicare and Health Insurance Broker, Licensed and Ready to Help

Black stylized letters “H” and “A” with a red horizontal line across the middle.

We work with Colorado residents navigating Medicare enrollment, Medigap coverage, Medicare Advantage plans, and individual health insurance through Connect for Health Colorado. Kimber Hamilton has held an active Colorado insurance license since expanding beyond Arizona, and every meeting happens by Zoom — no office visit required, no matter where in the state you live.

Why Colorado Residents Work With an Independent Broker

An independent broker isn't tied to any single insurance company. That means we can compare plans from multiple carriers side by side and tell you honestly which one fits your situation — including telling you when your current coverage is already working well and a change isn't worth making. There's no pressure here, and no quota to fill.

 

Colorado has its own insurance market dynamics, including the state-run Connect for Health Colorado marketplace and a Medicare landscape with dozens of competing Advantage and Supplement plans. Having a broker who is licensed in Colorado and knows how that market is structured can save you hours of research and help you avoid a plan that looks good on paper but doesn't match how you actually use your coverage.

Medicare Coverage Options for Colorado Residents

Medicare in Colorado gives you real choices — which is helpful if you know how to evaluate them, and overwhelming if you don't. We walk through every option with you at a pace that makes sense, starting with what you already have and what you actually need.

Coverage We Help Colorado Residents Compare

Whether you're turning 65, leaving employer coverage, self-employed, or simply reviewing what you have, we can help you find a plan that fits your life and your budget. Here's what we work on:

Medicare Advantage Plans in Colorado

Medicare Advantage(Part C) plans in Colorado are offered by several major carriers and often include prescription drug coverage, dental, vision, and hearing benefits bundled into one plan. Plan availability varies by county, so the options in Denver look different from those in rural areas of the state. We compare what's available in your zip code and explain the trade-offs between HMO and PPO network structures before you commit to anything.

Medicare Supplement (Medigap) Coverage in Colorado

Colorado follows federal Medigap standardization rules, which means Plan G in Colorado covers the same core benefits as Plan G anywhere else in the country. What differs is the monthly premium — and that can vary significantly from one carrier to the next for identical coverage. We shop those premiums across our carrier appointments and help you understand the underwriting rules that apply when you're outside your guaranteed-issue window.

Medicare Enrollment and Plan Comparison

We help with Medicare Advantage, Medicare Supplement(Medigap), and Medicare Part D prescription drug plans. If you're new to Medicare, we start at the beginning and explain how Parts A, B, C, and D fit together before we look at any specific plan.

Individual and Family Health Insurance

For Colorado residents who aren't yet on Medicare, we help with ACA Marketplace plans through Connect for Health Colorado, off-exchange individual plans, short-term medical coverage, and health savings account–qualified plans. We can also help self-employed Coloradans find coverage that works with variable income.

Life Insurance and Supplemental Coverage

We're also licensed in Colorado for term life, universal life, final expense insurance, and supplemental coverage including cancer, accident, and hospital indemnity plans. If you want to review your life insurance alongside your health coverage in one conversation, we can do that.

Dental and Vision Insurance

Dental and vision coverage aren't included in Original Medicare, and many Medicare Advantage plans offer only limited benefits in these areas. We can help you find standalone dental and vision plans that fill that gap without overcomplicating your overall coverage picture.

Moving Between Colorado and Arizona? We Can Help With That.

One of the more common situations we handle is a client who splits time between Colorado and Arizona — or who is planning a permanent move in either direction. Medicare coverage travels with you for emergency care, but your plan's network and benefits are tied to where you live. If your address is changing, your plan may need to change too.

 

We're licensed in both states, so we can review your current coverage, explain what changes when your primary residence shifts, and help you find a plan that actually covers you where you spend your time. You won't need to start over with a new broker when you cross state lines.

Frequently Asked Questions

  • Do I need a Colorado-licensed broker to get help with Medicare in Colorado?

    Yes — a broker must hold an active license in the state where you reside in order to enroll you in a plan or receive compensation for helping you. Kimber holds an active Colorado insurance license, so she can legally advise and enroll Colorado residents in Medicare and health insurance plans.

  • What is Connect for Health Colorado, and can you help me with it?

    Connect for Health Colorado is the state-run ACA Marketplace where Colorado residents can shop for individual and family health plans and apply for premium tax credits. We're licensed to help Colorado residents compare and enroll in plans through the marketplace, as well as off-exchange options that may be a better fit depending on your income and situation.

  • I'm moving from Colorado to Arizona — do I need to change my Medicare plan?

    Possibly, yes. Medicare Advantage plans are built around local provider networks, so a plan that works well in Colorado may not cover your Arizona doctors or prescriptions the same way. We're licensed in both states and can review your current plan, explain what changes with your move, and help you find coverage that works where you're going to be living.

  • Can you help me compare Medicare Advantage plans in Denver or other Colorado cities?

    Yes. We compare Medicare Advantage plans by zip code, so we look at what's actually available in your area — not a generic statewide list. We walk through the network type, drug formulary, and out-of-pocket costs for each plan before you make any decision.

  • What's the difference between Medicare Advantage and Medicare Supplement in Colorado?

    Medicare Advantage replaces Original Medicare with a private plan that often bundles extra benefits like dental and vision, but uses a network of providers. Medicare Supplement (Medigap) works alongside Original Medicare, covering costs like deductibles and coinsurance, and generally gives you broader provider access. Colorado follows federal Medigap standardization, so the plan letters mean the same thing here as anywhere else — but premiums vary by carrier, and we shop those for you.